Kosova po del t\u00eb jet\u00eb nj\u00eb shtet ku ende vendosin burrat. Madje as bizneset e as llogarit\u00eb bankare nuk ua besojn\u00eb grave.<\/p>\n
Sipas nj\u00eb publikimi t\u00eb b\u00ebr\u00eb k\u00ebto dit\u00eb nga Instituti GAP del se grat\u00eb n\u00eb Kosov\u00eb zot\u00ebrojn\u00eb vet\u00ebm 15 p\u00ebr qind t\u00eb pronave, krahasuar me 74 p\u00ebr qind q\u00eb zot\u00ebrohen nga burrat. Pjesa e mbetur e pronave prej 11 p\u00ebr qind \u00ebsht\u00eb n\u00eb pron\u00ebsi t\u00eb personave\/subjekteve juridike.<\/p>\n
\u201cGjetjet shp\u00ebrfaqin nj\u00eb munges\u00eb shqet\u00ebsuese t\u00eb p\u00ebrfaq\u00ebsimit t\u00eb grave si pronare biznesi n\u00eb tregun financiar, duke treguar nevoj\u00ebn urgjente p\u00ebr nd\u00ebrhyrje t\u00eb synuara (si\u00e7 jan\u00eb masat afirmative) p\u00ebr t\u00eb adresuar k\u00ebto dallime\u201d.<\/p>\n
Raporti ka gjetur edhe se numri i llogarive bankare t\u00eb biznesit q\u00eb jan\u00eb n\u00eb pron\u00ebsi t\u00eb grave \u00ebsht\u00eb i ul\u00ebt.<\/p>\n
\u201cRreth 16% e numrit gjithsej t\u00eb llogarive bankare t\u00eb biznesit n\u00eb Kosov\u00eb jan\u00eb n\u00eb pron\u00ebsi t\u00eb grave, 82% jan\u00eb n\u00eb pron\u00ebsi t\u00eb burrave dhe 2% jan\u00eb t\u00eb regjistruar n\u00eb bashk\u00ebpron\u00ebsi. Bizneset n\u00eb pron\u00ebsi t\u00eb grave n\u00eb Kosov\u00eb kan\u00eb 2.4 her\u00eb m\u00eb pak hua sesa ato n\u00eb pron\u00ebsi t\u00eb burrave. Konkretisht, niveli i borxhit aktiv p\u00ebr bizneset n\u00eb pron\u00ebsi t\u00eb grave \u00ebsht\u00eb 642.6 milion\u00eb euro, nd\u00ebrsa p\u00ebr burrat \u00ebsht\u00eb 1.6 miliard\u00eb euro. P\u00ebr m\u00eb tep\u00ebr, bizneset n\u00eb pron\u00ebsi t\u00eb grave zot\u00ebrojn\u00eb 14.2 her\u00eb m\u00eb pak depozita se ato n\u00eb pron\u00ebsi t\u00eb burrave, apo vet\u00ebm 111.9 milion\u00eb euro krahasuar me bizneset n\u00eb pron\u00ebsi t\u00eb burrave q\u00eb zot\u00ebrojn\u00eb 1.58 miliard\u00eb euro depozita\u201d.<\/p>\n
Ngjash\u00ebm, thuhet se edhe tek llogarit\u00eb individuale grat\u00eb zot\u00ebrojn\u00eb 2.42 her\u00eb m\u00eb pak depozita sesa burrat n\u00eb llogarit\u00eb e tyre individuale. Shuma e depozitave t\u00eb zot\u00ebruara nga grat\u00eb n\u00eb llogarit\u00eb e tyre bankare thuhet se \u00ebsht\u00eb 829.5 milion\u00eb euro, nd\u00ebrsa nga burrat \u00ebsht\u00eb 2.01 miliard\u00eb euro.<\/p>\n
\u201cN\u00eb gjasht\u00eb vitet e fundit (2016-2022), Fondi Kosovar p\u00ebr Garanci Kreditore (FKGK) ka ndihmuar me ofrimin e garancis\u00eb p\u00ebr 12,653 hua, nga t\u00eb cilat 1,725 (14%) jan\u00eb p\u00ebr biznese n\u00eb pron\u00ebsi t\u00eb grave. Shuma totale e huazuar q\u00eb FKGK ka garantuar pjes\u00ebrisht nga viti 2016 deri n\u00eb vitin 2022 p\u00ebr bizneset n\u00eb pron\u00ebsi t\u00eb grave \u00ebsht\u00eb 63.3 milion\u00eb euro nd\u00ebrsa p\u00ebr bizneset n\u00eb pron\u00ebsi t\u00eb burrave \u00ebsht\u00eb 458.9 milion\u00eb euro. Ndon\u00ebse FKGK ka kontribuuar jasht\u00ebzakonisht n\u00eb edukimin financiar dhe qasjen n\u00eb financa p\u00ebr grat\u00eb, duke ofruar garanci p\u00ebr kap\u00ebrcimin e sfid\u00ebs s\u00eb k\u00ebrkesave p\u00ebr kolateral, ende ka shum\u00eb pun\u00eb q\u00eb duhet b\u00ebr\u00eb nga politik\u00ebb\u00ebr\u00ebsit\u201d.<\/p>\n
Bazuar n\u00eb gjetjet e raportit, Instituti GAP u ka rekomanduar politik\u00ebb\u00ebr\u00ebsve, institucioneve financiare dhe pal\u00ebve t\u00eb tjera t\u00eb interesuara t\u00eb promovojn\u00eb edukimin financiar dhe p\u00ebrfshirjen p\u00ebr grat\u00eb duke ofruar financim t\u00eb synuar dhe programe investimi, si dhe duke krijuar mund\u00ebsi p\u00ebr mentorim dhe rrjet-formim. Kjo thuhet se mund t\u00eb b\u00ebhet duke nd\u00ebrmarr\u00eb fushata nd\u00ebrgjegj\u00ebsimi p\u00ebr t\u00eb edukuar grat\u00eb dhe grupet e tjera t\u00eb margjinalizuara mbi t\u00eb drejtat e tyre p\u00ebr t\u00eb zot\u00ebruar tok\u00eb dhe pasuri, dhe duke shp\u00ebrndar\u00eb informacion n\u00eb lidhje me kornizat ligjore, t\u00eb drejtat e trash\u00ebgimis\u00eb dhe proceset e regjistrimit t\u00eb pron\u00ebs.<\/p>\n
Publikimi i k\u00ebtij raporti \u00ebsht\u00eb mb\u00ebshtetur nga USAID-i p\u00ebrmes Aktivitetit t\u00eb Angazhimit Ekonomik Gjith\u00ebp\u00ebrfshir\u00ebs, n\u00eb partneritet me CDF.<\/p>\n
Gjetjet kryesore t\u00eb k\u00ebtij raporti:<\/p>\n
-Grat\u00eb n\u00eb Kosov\u00eb zot\u00ebrojn\u00eb vet\u00ebm 15% t\u00eb pronave, krahasuar me 74% q\u00eb zot\u00ebrohen nga burrat. Pjesa e mbetur e pronave prej 11% \u00ebsht\u00eb n\u00eb pron\u00ebsi t\u00eb personave\/subjekteve juridike.<\/p>\n
-Rreth 16% e numrit gjithsej t\u00eb llogarive bankare t\u00eb biznesit n\u00eb Kosov\u00eb jan\u00eb n\u00eb pron\u00ebsi t\u00eb grave, 82% jan\u00eb n\u00eb pron\u00ebsi t\u00eb burrave dhe 2% jan\u00eb t\u00eb regjistruar n\u00eb bashk\u00ebpron\u00ebsi.<\/p>\n
-Bizneset n\u00eb pron\u00ebsi t\u00eb grave n\u00eb Kosov\u00eb kan\u00eb 2.4 her\u00eb m\u00eb pak hua sesa ato n\u00eb pron\u00ebsi t\u00eb burrave, ku niveli i borxhit aktiv p\u00ebr bizneset n\u00eb pron\u00ebsi t\u00eb grave \u00ebsht\u00eb 642.6 milion\u00eb euro, nd\u00ebrsa p\u00ebr burrat \u00ebsht\u00eb 1.6 miliard\u00eb euro.<\/p>\n
-Bizneset n\u00eb pron\u00ebsi t\u00eb grave zot\u00ebrojn\u00eb vet\u00ebm 111.9 milion\u00eb euro depozita krahasuar me bizneset n\u00eb pron\u00ebsi t\u00eb burrave q\u00eb zot\u00ebrojn\u00eb 1.58 miliard\u00eb euro.<\/p>\n
-N\u00eb gjasht\u00eb vitet e fundit (2016-2022), Fondi Kosovar p\u00ebr Garanci Kreditore (FKGK) ka ndihmuar me ofrimin e garancis\u00eb p\u00ebr 12,653 hua, nga t\u00eb cilat 1,725 (14%) jan\u00eb p\u00ebr biznese n\u00eb pron\u00ebsi t\u00eb grave.\/monitor<\/p>\n
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